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CardCurator — Rewards Intelligence
Travel Agencies

Best Credit Card for Amtrak

Compare the top credit cards to maximize your rewards every time you shop at Amtrak.

Travel purchases frequently qualify for elevated earn rates and may unlock valuable perks like trip cancellation insurance or lounge access.

Top Pick

Best Pick
Target Circle Credit Card card art
Target Circle

Target Circle Credit Card

5x
points per dollar
5.0%
effective return
No annual fee
annual fee
$50
signup bonus

5x base rate (no bonus for Travel Agencies)

More Info

More Good Options

  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Travel Agencies)

    Learn more →
  • Blue Business Plus Credit Card from American Express card art
    American Express Membership Rewards
    Blue Business Plus Credit Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Travel Agencies)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Travel Agencies)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Travel Agencies)

    Learn more →
Compare these 3 cards side by side

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Common Questions

What is the best credit card to use at Amtrak?

The Target Circle Credit Card is currently the top pick at Amtrak, earning 5x points per dollar — an effective 5.0% return. 5x base rate (no bonus for Travel Agencies)

How many points do I earn at Amtrak per dollar spent?

Top cards earn between 2x and 5x at Amtrak. Leading options include: Target Circle Credit Card (5x), Bilt Palladium Card (2x), Blue Business Plus Credit Card from American Express (2x).

Does Amtrak count as travel agencies for credit card rewards?

Amtrak typically falls under the Travel Agencies category for credit card reward purposes. Cards with a travel agencies spending bonus will earn an elevated rate here. Travel purchases frequently qualify for elevated earn rates and may unlock valuable perks like trip cancellation insurance or lounge access.

Is there a no-annual-fee card that earns well at Amtrak?

Yes — the Target Circle Credit Card has no annual fee and earns 5x at Amtrak (5.0% effective return). 5x base rate (no bonus for Travel Agencies)

Also earning in Travel Agencies